Shopping for the lowest cost Beulah car insurance on the internet may be challenging for beginners to comparing rates online. With dozens of insurance companies available, how can Beulah drivers even start to compare every company to locate the best available price?
It’s a good habit to take a look at other company’s rates every six months because insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest rates a couple years back you may be paying too much now. So forget anything you know (or think you know) about car insurance because you’re going to learn the tricks you need to know to save money, get proper coverage and the best rates.
How to Get Cheap Car Insurance in Beulah, ND
There are several ways to compare rate quotes from local in Beulah, NDcar insurance companies. The fastest way to find the cheapest insurance rates consists of shopping online. It is quite easy and can be accomplished in several different ways.
The single most time-saving way to get quotes for comparison is a comparison rater form (click to open form in new window). This form keeps you from doing boring form submissions for every car insurance company. Just one form will return price quotes from several companies.It’s the quickest way to get rates.
A slightly less efficient method to compare prices requires a trip to each company’s website to request a price quote. For instance, we’ll assume you want rates from Farmers, Progressive and Allstate. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is more popular.
To view a list of companies in Beulah, click here.
The least recommended method to get comparison rates is driving to insurance agents’ offices. Shopping for car insurance online makes this process obsolete unless you require the trained guidance of a licensed agent. It is possible to comparison shop online but still have the advice of a local agent and we’ll talk about that later.
Which method you use is up to you, but make darn sure you compare apples-to-apples coverage limits and deductibles for each comparison quote. If the quotes have different limits and deductibles on each one it will be very difficult to make a fair comparison in Beulah. Having just a slight variation in limits may cause a big price difference. And when quoting car insurance, remember that comparing a large number of companies will improve the odds of getting lower pricing.
Buyer beware of car insurance advertising tricks
Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads make an identical promise that you can save if you switch to their company. How do they all claim to save you money? It’s all in the numbers.
All the different companies can use profiling for the type of driver that earns them a profit. For instance, a desirable insured might be a mature driver, insures multiple vehicles, and has a short commute. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will save quite a bit of money when switching.
Potential insureds who fall outside the “perfect” profile will be quoted a higher premium which leads to business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save money. That’s why insurance companies can make the claims of big savings. This emphasizes why it’s extremely important to get as many quotes as possible. It’s just too difficult to predict which company will fit your personal profile best.
Be sure to get all your discounts
Car insurance companies do not list all their discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known savings tricks you should be using.
- Homeowners Savings – Owning a house in Beulah can help you save on car insurance because maintaining a house demonstrates responsibility.
- Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
- Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
- Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.
- No Claims – Good drivers with no accidents pay much less when compared to accident-prone drivers.
- Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
- Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of more than 20%.
- Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
- Student Driver Training – Have your child successfully complete driver’s ed class in high school.
As a disclaimer on discounts, some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.
For a list of providers who offer car insurance discounts in North Dakota, click here.
Price shop online but buy from a local Beulah agent
Some consumers would rather get advice from a local agent and that is OK! One of the best bonuses of comparing insurance prices online is that you can obtain better rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, your insurance coverage information is submitted to companies in Beulah who will compete for your coverage. There is no need to leave your computer as quotes are delivered immediately to your email address. It doesn’t get any easier! It’s the lowest rates AND an agent nearby.
Choosing an insurer should depend on more than just the premium amount. These are valid questions to ask:
- Is the agency involved in supporting local community causes?
- If you are a high risk driver, do they have special markets for your coverage?
- How long have they worked with personal auto insurance coverage?
- Are there any discounts that you might be missing?
- Which members of your family are coverage by the policy?
Below is a short list of insurance companies in Beulah that can give you comparison quotes.
- Beckers Insurance – 1720 Highway 49 N, Beulah, ND 58523 – (701) 873-4444
- Benz Insurance – 115 E Main St, Beulah, ND 58523 – (701) 873-5124
- State Farm Insurance – 106 E Main St, Beulah, ND 58523 – (701) 873-5314
- Gary Miller Agency Inc – 701 Highway 49 N, Beulah, ND 58523 – (701) 873-5911
For a full directory of insurance agents in Beulah, click here to link.
Once you have positive feedback as well as a affordable price, you have narrowed it down to an provider that meets your needs to adequately provide car insurance.
Tailor your coverage to you
When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.
For instance, these questions may help you determine if your situation may require specific advice.
- Am I covered when driving in Canada or Mexico?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Does my car insurance cover rental cars?
- What is the difference between comprehensive and collision coverage?
- Is my dog or cat covered if injured in an accident?
- What are the financial responsibility laws in North Dakota?
- What is covered by UM/UIM coverage?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.
Even more information can be found at the North Dakota Insurance Department website. North Dakota drivers can view agent and company licensing information, find disaster information, and read enforcement actions against agents and companies.
Also read more on Auto Insurance 101 and this list of insurance agents in Beulah.
Car insurance specifics
Knowing the specifics of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Coverage for liability – This protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like loss of income, structural damage, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible. North Dakota state minimum liability requirements are 25,000/50,000/25,000 but drivers should carry more coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for EMT expenses, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your vehicle.
Since many North Dakota drivers only purchase the least amount of liability that is required (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage – This coverage covers damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like damaging your car on a curb, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Comprehensive coverages – This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a bird, falling objects and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
In Summary
We covered a lot of ways to lower your car insurance rates. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.
While you’re price shopping online, do not skimp on critical coverages to save a buck or two. In many cases, an insured cut uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.
Cheaper car insurance is possible from both online companies and with local Beulah insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.